The HELOC remained real.

Consequences usually do.

PART 39 — BERNICE’S LEGAL EXPOSURE

Bernice was not immediately arrested for “setting up a scam.”

Her role was more complicated.

She had paid Curtis a consulting or referral-related amount before Brandon met him.

Emails showed coordination.

Whether those actions created criminal liability depended on intent and applicable law.

Authorities reviewed it.

The larger immediate consequence came through civil discovery and the collapse of trust with her son.